Can anyone direct me to a government agency/grant that can help save our home from foreclosure? Our mortgage company has turned our account over to a law firm and the public sale is scheduled on our property. My husband works on commission and I am unable to work due to illness. Thank you for any information you may be able to give. J. Ragan

 Hello,

 Some time ago we committed to deciding to help out families who are in need of financial assistance due to mortgage troubles by using Prosper as a tool.  Unfortunately, before we can begin to help others by lending to them through Prosper.com, we need a little help ourselves -- temporary help, for the months of May and June.  Our situation is as follows: We have a 2 & 1/2 year old son and want him to be happy.  We want to keep our home.  I became unemployed about a year ago and my wife remained working, but during this time we always paid our mortgage on time.  We wanted to hold on to our home. 

We can accept money through Paypal to the address of:  pcvcolin@yahoo.com

The situation became dire when my retirement account and credit cards were depleted; fortunately, at that point, I was offered a job.  Now both me and my wife are working again, both of us with good-paying government jobs (steady income).  With the new income, the mortgage lending company, Citicorp, did allow us to go for a modification to our loan, and while they did review our pay stubs, they gave us a new monthly payment that was so high that there will be no way for us to pay it.  Additionally, Citicorp demanded payment on the 11th of this month instead of waiting to the end of the month and threatened foreclosure (an senseless and mean threat, particularly since they agreed to defer payments for the last couple months and since they agreed to approve my modification; their threat is especially mean-spirited considering I paid them on time for the year when I was unemployed, using my retirement account money).

So, we have realized we will have to leave Citicorp and refinance.  Unfortunately the threat of foreclosure means that we have to pay them on the 11th.  While we have the money to do this we do not have the money for other things, like food, gasoline, and bills.  We ask for your help in whatever you can contribute to get us through the months of May and June; by the end of May we expect to be completely out of Citicorp and refinanced into a better loan, and by the end of June we will have recovered from this debacle.

After June we will begin to set aside money to lend to people through Prosper.com who have had mortgage troubles and who cannot get loans through ordinary lending institutions.  Help us position ourselves to help other people ~ please consider making a small contribution today.

You can see my credit details, photos, and a lender discussion of the Prosper.com that I myself received that helped me a few months ago to save my home when Citicorp first began to threaten our family.   See these details by linking to:  https://www.prosper.com/lend/listing.aspx?listingID=102009

Im 24 years old who just seperated from my husband of 4 years. Bought a house back in January 2006 and owe just about 91,000 on it. I have been living paycheck to paycheck and have barley have any money to pay all my bills. Im a little less then 140,000.00 in debt and that includes my car and Credit Cards.  I am normaly the one being asked for money and i always give it even thought i know i shouldnt. I never ask for anything but i am asking now. My house Payments are 900.00 a month but i get paid every two weeks and thats what i bring home on each paycheck. So you can see why i need the help so PLEASE HELP ME.

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 I am a single female unemployed homeowner in need of financial assistance for mortgage and utilities also for home improvements in a historical home

there is no such thing as help anymore just "HOPE"

I'm in a situation and I don't know what to do.  I have no one to turn to and I feel completely lost.  I'm behind two months on my mortgage payment; I have absolutely no money for my other bills, I work full time, I don't eat out I only use my money for groceries, to pay the bills that I can, and to keep my son in daycare.  I have a mortgage if 872.00 a month, $325 car payment that I can't give up because my mom co-signed on it and I need a car for work, I am just lost and have no idea what I'm going to do.  I just can't lose my house; I can't.  I feel like giving up sometimes, you know.  I have worked so hard to get where I'm at and now, I'm about to lose it all.  If anyone can help me and my son out just temporarily until I can get things organized and put together, I would really appreciate that.  I don't know what else to do.  I really don't.  I'm completely lost and desperate at this point.  I've thought about doing some really horrible things just to make some fast money.  Please, if you can help, let me know.
Thank you.
Amanda

financial help

I am in my early 50's and used to make 6 figures, but bad investments have put my few properties into foreclosure.  My business should make money, but hasn't - it's credit is excellent, though.  I need to either invest in my buisiness or get back into a high-tech field that was so good to me in my earlier days, but I have huge debts (mostly mortgages), lots of IRS $$ due.  I wish I could sell my real estate or get an investment of about $100K against 1/4 acre of industrial urban vacant land (it has no mortgage on it) so I can either (a) revamp my business or (b) refresh my career skills - depending on how my capital I have. 

I need a grant to help pay  my mortgage, credit cards and tutition for school.  Can you help me find a government grant that will assist my needs?

I am unemployed but am receiving benifits.  I am looking for a program that will help me pay my mortgage payments until I can find a job.  Does such a thing exist?  I am desperate, the bank is threating foreclosure.

Thank you in advance,

V

People who need help getting out of foreclosure please contact me!

I have terrible credit since my divorce.  I need to pay off about $15K in debt so I can qualify for a mortgage.  I can tell you my whole story if you think you'd like to help me; I promise it'll be interesting!  Please contact me at maevemesmer@yahoo.com 

We just lost our only car. We were stuck on the interstate with the granddaughter who is 8 months for hours..then had it towed at a costly price just to find out that it will cost us about $2000 to get it fixed. We don't have that kind of money. We haven't even been able to make the house payment for July and it is time to pay the August house payment. We need about $5000 to get the car fixed and make both house payments. We could use more than that because I am unable to work at this time due to having shoulder surgery in April and having colon problems now that may require surgery.

A little background information. I am 40, almost 41 years old, married with two beautiful daughters ages 8 and 5 and disabled since April 2001. I receive Social Security Disability but we all know that it does not come close to a regular pay check. Before I got sick, my wife and I were both working and our combined income was close to $85K per year. I began getting sick in 1999 with acid reflux or GERD. I went through every drug on the market and using each above the recommended maximum dosage with little or no relief. When it began eating away at the lining of my esophagus to the point I was developing holes in the lower portion near the point where it connects to the stomach and spilling into my lungs so badly that they thought I had developed asthma, their only other option for me was a surgical procedure called fundoplication. This procedure takes the upper portion of the stomach and and wrap it around the esophagus to tighten the valve to prevent the acid from coming back up and to cover the holes. It was supposed to be a laproscopic procedure where I had it done on one day, spend the night in the hospital and go home the next morning. My maximum time off work was to be two weeks. I actually left the hospital on the day I was supposed to return to work. When I kind of came to on the first day after having the laproscopic procedure go so badly that I had to be opened up the full length of my abdomin so that they could try to fix what they did that almost killed me plus I was in intensive care. The next day, they did a test where I drank some awful tasting mess so they could check for any leaks in my stomach or anything. Guess what, they stated that they found leaks and back into the operating room I went where they took everything they did the day before apart and did it all again. This time when I woke up, again in intensive care, I was on a ventolator for a week. They took the thin lining that is between your organs and your skin to keep then from growing to each other to wrap my stomach and seal off the 3 or 4 places that it tore open during the laproscopic surgery. During the first, laproscopic, surgery, in addition to my stomach tearing open in 3 places, my liver was cut/damaged to the point that the gave me at least 4 units of blood. I haven't been able to work since then. I have constant diarrhea, abdominal pain which is increased when I eat anything at all, on a scale of 1 to 10, I stay around 8 or 9 all the time. I also have a partial small bowel obstruction that will eventually have to be surgically fixed. The obstruction(s) are caused from the extreme amount of scar tissue that I have in my abdomin which is why they don't want to operate again until they absolutely have to. I have been admitted to the hospital 12 times in just the past 3 years and have already had to have surgery to correct a blockage in my colon. My small intestines, colon and I don't know what else is attached to my skin where the lining was removed. I cannot lift anything more than 5 to 7 pounds, pull, strain, climb, crawl  nor stand, sit or lye down for more than about an hour and a half at a time because of the pain. I also have areas that are close to herniating which will also cause another surgical procedure. When they admit me for a blockage, I spend a week there with a tube down my nose (NG Tube), in my stomach connected to a suction pump to pull all of that stuff back out and clear the blockage, for then anyway. One, I cannot even stand to think about any other surgery and two, the doctors don't want to do it either.  In addition to all of that, and I left some things out, I have degenerative disk disease in my back, my spine has lost it's curve at the end where the tail bone is. Also, I have to sleep with a CPAP machine because of sleep apneia and have to take medicine during the day because I also have narcolepsy. Dealing with all of this has caused depression, anxiety and post traumatic stress disorder from the surgery. I still and always will deal with these health issues and mental stress from now on. Because of all of my problems, it's obvious that my wife had to leave her job to care for my and our children so we have been trying to make it on Social Security Disability which is getting harder and harder every day. We have already gone through our savings and 401(k)'s to survive and keep our home and a vehicle. Our credit is shot because we have had the 2 cars that we had when this all happened repossessed. Also, all of the other credit we had then, fell behind and pretty much totally destroyed our credit. We are behind one house payment and the mortgage company is a pain to deal with and absolutely refuse to offer any assistance at all. I am still trying to pay some on my hospital co-payments that are now pushing a total of close to $10K and I never know from day to day when I may have to go back. Plus, like everyone else, I have the normal power, phone, cable, water, trash pickup, car payment, car insurance, homeowners insurance, food and school things for our girls. We also heat and cook using propane gas. We have been without propane for 95% of the winter and we are out now which means we heat with small electric heaters and cook on a hot plate, microwave or small toaster oven. Right this moment, we have a total of maybe $5 to last two more weeks and it's about to drive us crazy. We can't cook, heat nor watch TV because the cable has been turned off until I can get money to pay them in two weeks. I am the type of person who hates to have to ask others for help. I would rather help others than to ask for help but I don't have much of a choice right now. Our families, our church and our friends have been great during all of this but they all have their own bills and families to take care of also. Any help would greatly be appreciated! May God bless you!

Hi,

I am just looking for some help this year. I have a 7 year old daughter, that I feel that I failed. It is my obligation to make sure all is well all the time. Due to circumstances like moving to a new state, and trying to start a new life, I have put myself in a very difficult situation.The family members that I do keep in touch with try to help out as much as they can, usually with groceries.  I pretty much ruined my credit, and am constantly paying NSF fees to my bank. I am not worried about the creditors that I am unable to pay at this moment, the only thing I would love to do is pay my mortgage. It is $4000.00 to put me back on track with it and keep them from trying to foreclose. Please donate $1.00 or $5.00 to help me keep my home.

For your donation I will email you one of my receipes to say thank you.

Steak or shrimp fried rice your choice, or Steak onion and potatoes

I am a 62 year old, African American female who has always taken care of herself.  I am well educated, have held most executive-type positions, been an entreprenuer, always owned a home - car - well dressed and spoken, community minded and had adequate savings - investments - and retirements monies.

Five years ago I moved to a small town after being selected to Pastor a fledgling church in Illinois.  The Church has never been able to pay me adequately but I had savings, etc. and believed I was supposed to help this white, graying, dying congregation grow into a diverse, vibrant haven in the community. 

During this time of working with the congregation, I supplemented what they paid me by cashing in stocks, withdrawing from mutual funds, selling properties, buying and renting properties, using savings.  I have always made sure that I lived "below" my means as I pretty frugal.  I continued to travel, donate monies to help others, (eventhough more was going out that coming in; my income was not steady - but I believed I was doing the right thing and plus I had given my word that I would be with them at least 5 years). 

Now th at I have left that church as Pastor with them owing me over $30,000, I am behind in all my bills.  During this same time, I had a friend in Georgia to become critically ill and she had no one to tend to her.  I was named as her power of attorney and felt it my duty to keep helping her.  This drained my monies as well.

I am interviewing for positions, I am getting information how to become a Licensed Pastoral Counselor and set up a practice, I have the opportunity to purchase 1-2, 4 unit apartment buildings and begin a transportation service.  I currently have a motivational talk show, I continue to counsel people who come to me (they see me and think I have it all together).       PROBLEM....

I have no income.  I am married but my husband can't pay all the bills.  I am two months behind in my mortgage (trying to do a quick sale on my home); one month behind on my car note (bank has been very understanding); at least three months behind on most of my credit cards.  All of these bills were up to date when I had income. 

I brought some rental property two years ago with two other females.  We used my credit since it was excellent.  They failed to honor their part of the deal (keep utilities up to date, pay taxes, screen tenants); now my credit is poor.  I have sold all three of those properties.  I  had rental properties while living in Georgia and did very well.   

I NEED HELP!!  I don't know what to do.  I don't want to lose my home to foreclosure; I don't want my car repossessed - I want to pay my creditors.  I am open to any and all suggestions.

     Please HELP! Me and my family are in FORECLOSURE we really DO NOT

want to loose our house so please help us save it by donating some money

to us! It all started out when we were trying to refinance our house about 4

months ago and we were doing so with a company named: HOME Morgage

1,2,3. So the financial advisor seemed like she was willing to help us but my

mom with really low credit couldn't refinance. Me, I barely turned 18 and well

my little sisters don't really understand yet. But "Mortgage"

companies have Frauded us about 3 times in a row. They just seem so

honest, so to get make the long story short, we really need peoples help. Our

house payments monthly are about $5,500.00 Dollars a month! Excluding our

utility and other bills. My mom is sort of disabled right now because she had

an accident in her old job so pleaase help me and my family! I feel like I am

going crazy and cannot focus in my studies! Thankyou So much. Me and my

mother have borrowed money from people and we owe them as well it all

adds up to about $25,000K. So thankyou God Bless every one of you who

pays attention to this!

Sincerely,

Gabriela

Anybody who is INTERESTED IN REALLY HELPING MY FAMILY OF 4, PLEASE

EMAIL ME TO: foreclosure805@yahoo.com  Thanks, Gaby :D

I got married back in May 2005 to i thought the man of my dreams but things changed. We bought a house in January of 2006 before we split and things havent been the same. I was planing on living with my husband but things did not work out. Right now i have roomates but they will be moving out soon. I dont know what to do. I just bought a new car before i new my roomates were going to bail on me but things happen. I am trying to get my self out of debt from Credit Cards and back on track. I am trying to rebuild my house because it needs alot of work and i cant do that if im living paycheck to paycheck. I have never owned a house and i really dont want to have to sell it. Iv never done this before but i was told about it and just thought i would give in a shot. Im 91,000.00 in debt on my house and 14,000.00 on my car but only 5,000.00 in Credit cards. But like i said i am only wanting help on my house. My payments are 900.00 a month and that about what i make every two weeks. So i am writting this pleading and begging for help. PLEASE HELP ME.

My husband may be starting a job but its not for a month from now and we have to pay our mortgage this month or  give up our home we have asked everyone we know, does anyone know where we could go?? we already filed bankruptcy.